About Us

The Elem Indian Colony of Pomo Indians (the “Tribe”) are a Native American band of Pomo based on 50 acres near Clearlake Oaks, California on the Eastern shore of Clear Lake. The Elem Indian Colony reservation was originally formed under the name Sulfur Bank Rancheria in 1949.

Right Now Loans is a wholly owned, economic development arm of the Tribe. Right Now Loans offers hardworking consumers a fast, effective way to get access to a little extra cash. With a simple, quick installment loan, you can get the money you need to cover life’s little emergencies and unexpected expenses.

Right Now installment loans can be used to cover expensive home repair bills, unexpected expenses, family emergencies, medical bills, car repair, bounced checks and all the other surprises life sometimes throws at us.

You are notified if you are pre-qualified instantly**

Your Money is deposited directly into your bank account*

Please refer to your consumer loan agreement for more information regarding funding options and funding times.

It’s Safe, Secure, and Confidential

If you need cash now to cover an emergency or unexpected expense or you have more questions about our services, please Contact Us any time to speak with a customer service representative.


You acknowledge that by completing and submitting the website application that you are applying for a loan. We verify applicant and credit information through national databases including, but not limited to, Clarity, Factor Trust, and Microbilt and we may pull your credit in order to determine your eligibility and ability to pay.

Once you fill out an application, one of our customer service representatives will help you complete the loan process, which will include verification of certain personal information prior to final approval and funding of the loan. Loans from Right Now Loans are usually funded by Automated Clearing House (ACH) electronic crediting directly to your bank account. If your loan application is reviewed and approved after 2:00 PM CST, loan funds will usually be available the next business day. Unavoidable delays that occur as a result of bank holidays, the processing schedule of your particular bank, inadvertent processing errors, “acts of God,” and/or “acts of terror” may extend the time for the deposit and may cause a change in the time that you receive your loan proceeds.

Right Now Loans Lending ( “Right Now Loans”) is a subsidiary of SBR Enterprises, a wholly owned economic arm and instrumentality of a Native American entity formed under the laws of and operated by the Elem Indian Colony of Pomo Indians (the “Tribe”), a federally recognized sovereign American Indian Tribe located within the United States. Right Now Loans abides by all applicable federal laws and the laws and lending codes enacted by the Tribe’s federally recognized sovereign government. As a wholly owned tribal entity, Right Now Loans is licensed by the Elem Indian Colony of Pomo Indian’s Tribal Consumer Finance Department.

Please note: This is a very expensive form of borrowing. Right Now Loans Installment Loans are designed to assist you in meeting your short-term borrowing needs and are not intended to be a long term financial solution. Right Now Loans never charges any prepayment penalties. Prompt repayment of your loan will reduce the overall cost associated with borrowing and is strongly recommended by Right Now Loans.

The Annual Percentage Rate (“APR”) as applied to your loan will range from 615-859% depending on your payment schedule, pay frequency, loan term, and the amount of your loan. Non- payment may result in additional fees and collection activities as described in your loan agreement and as allowed by Tribal and applicable federal law.

Credit products obtained through this website are not available to residents of all states and state availability may change from time to time without notice. Currently, residents of Alabama, Arkansas, Connecticut, Florida, Georgia, Illinois, Maryland, Massachusetts, Minnesota, New York, North Carolina, Pennsylvania, South Carolina, Vermont, Virginia, West Virginia are not eligible to receive a loan from Right Now Loans.

  • CUSTOMER SUPPORT

  •    support@rightnowloan.com

  •    PO Box 4102 Clearlake, CA 95422

  •   Toll Free: 1-866-660-8743
           Tribal Dispute: 1-866-399-8594

  •   Fax: 1-707-361-0507

  • Contact Us

  • If you have questions regarding our loan programs, the terms of our loan agreements or payment plans; or just need more information, please do not hesitate to contact us any time, day or night. A Right Now Loans customer service representative will be happy to assist you.